it seems like that's oversold because if you look at just the impact of the so-called fiscal cliff, if we get to january 1st and no deal, i think there's a universal expectation that for 98% of the country, the income tax thing addressed within a week or two. neither democrats or republicans let that go completely. the amt is fixed basically every year. that's going to be fixed eventually. it looks like looking at the reports of the offer that obama is supposedly making this afternoon, going to tell republicans, yeah, you win on the estate tax if you take the offer and only thing talking about is the payroll tax. that's already obama apparently gave up on it two weeks ago and gone no matter what and only the refundables. >> yep. >> you're talking about hugely important to the working poor but for the vast majority of the country, it's almost ir el vant. we are just -- >> they aren't tax credits and what you fill out when you fill out your taxes which won't happen until 2014. if they're in effect, it costs the average family an extra $3,400 or so but in the first week, two weeks, actual